Making out of network benefits work for you!

I accept out of network benefits from other insurance companies. Many people don’t realize that if you have medical insurance, you have mental health coverage. Whereas years ago this was not a certainty, legislation that was passed in 2008 called the Mental Health Parity Act and Addiction Equity Act guaranteed that if an insurance company provides medical care, they cannot restrict coverage for your mental health. This also means that just like a yearly physical (and for women, a yearly well-woman visit to their OBGYN) is now typically covered by your plan, preventative mental health services (e.g. a depression screening) are also covered. See here for a list of preventative services. With the exception of most HMOs, most insurance providers give you the option of utilizing out of network benefits to give you more control over the providers that you want to work with.  Certain regions of the country tend to have a significant number of providers that are reluctant to accept the requirements that many insurance companies require, and this includes this area of CT.  However, this need not stop you from working with individuals with whom you may be a good fit. It is simple to submit for out of network benefits if your provider is willing to print a “superbill”. This sounds like something more complicated than it is in reality, and so I am including a sample of one I just made for a fake client right here. These are easy for me to print out for you, and if you elect to see me out of network, I think you will be pleased how smoothly the reimbursement process can work.